Capital One!!!

[solid07]

I recieved a letter from Capital One today with the credit card info and the rate info etc it even had an account number but it didnt have my credit line info!!!!

[ShinyGirl]

So I applied and they approved. They pulled all three bureaus. I don't even know what my TU score is/was because I'm always forever locked out of that FICO (frickin' TU won't interface my info with fico for some reason)

Anyway, I got a $300 CL. WTF?? ARGGGGGGGGGGGHHH!! I all I can say. I got 5 times that with Hooters. Anyway...I'm gonna keep it. Know why? 0% til June (big whoop), but they also gave me an 8% interest rate after the promo.

I tried to get the guy to say whether this is a rebuilder vs. something I can water with use and payments and watch it grow. He said it's eligible for increases, but couldn't/didn't really say anything more than the IR and promo rate.

I was going to ask for an increase, but I haven't gotten the card yet, want to read the disclosures.

If it's near prime/prime-ish, it'll be my first such card in ages.
*sigh*

I'm obsessed! I've got PFD and GW letters out there. I only have 4 or five baddies/collections and on my true credit report, 2.

I'm gonna kill Experian if they don't take my ex's info off my report. And when I get these other things gone (all total collection is only about $600) The thing that probably kills the worst is the original entry of a student loan I had. I rehabbed that, but the original will still show.


Anyway...rebuilding I will go...

[Anonymous]

I'm not a big fan of capitol one. If it wasn't for account age I'd cancel my card with them.

[Anonymous]

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ShinyGirl wrote:
So I applied and they approved. They pulled all three bureaus. I don't even know what my TU score is/was because I'm always forever locked out of that FICO (frickin' TU won't interface my info with fico for some reason)

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Where you a victim of the true credit Fiaso?

[ShinyGirl]

What's the TC fiasco? I'd really like to know because I have not been able to access my fico through TU for some time. It's REALLY a hinderance when you're trying to rectify the wrongs.

[Anonymous]

True Credit banned users from their service- it also locked them out of all trans union services-

I was never kept from my FICO even while TC had me banned-

This is a simple call to myFICO customer service-

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ShinyGirl wrote:
What's the TC fiasco? I'd really like to know because I have not been able to access my fico through TU for some time. It's REALLY a hinderance when you're trying to rectify the wrongs.

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[ShinyGirl]

Thing is, I CAN get into True Credit without problem. I can pull my reports and get my FAKO from them. I just can't and haven't been able to get my FICO from here from them.

I've called myFico and Transunion.

MF says that it's TU. TU says there's nothing wrong.

Arrrrrgggggggggggggghhhhh!

[grneydangl]

hey, new user, first post

I personally can't stand Capital One.  I was 18 when they sent me an offer to apply.  I applied and they gave me CL $5000.  THIS WAS MY FIRST CARD, is that really necessary?!  Needless to say, 6 years later and I'm pretty much at the $5000.  I maxed it pretty quick as a "kid" I always make my payments and I make more than suggested.  At one or two points I had them paid down to about $2000-3000 but for some reason I just keep spending on it.  Anyway, got another Cap last year, $500cl puh.  I want to pay off and get rid of my $5000cl card so bad but it does have a long history for me.  They are killing me though... slowly.  Luckily they screwed me AFTER I got approved for my mortgage loan.   Now it's just recovering from them, slowly but surely.

Customer Service sucks as well... in my opinion

Sorry for such a long rant, especially for my first post

FICO:

Ex: 590

TU: 609

Eq: 592

yikes

[Anonymous]

I would have paid them off completely somewhere along the line. You have to play their game.